Skip to main contenthow this is calculated →
Year 5 disposal
⊞ View all 17
0/ 100
Weak
3.94% return before costs — market rent unverified, verify rent + comps locally.
Why it works
Why to be cautious
- 3.94% return — below most lender Rent-covers-mortgage checks
- Monthly profit −£1,443/mo — heavily negative — needs monthly capital injection
- -6.2% 5y IRR — capital outlay disproportionate to returns
- No rent comparables — estimate is a rule-of-thumb fallback, not market data. Verify the rent locally before offering.
Property research tool — not a regulated financial service. Numbers are point-in-time estimates; how we decide →
Monthly cashflow
−£1K/mo
You top up £1K/mo
Price vs market
Above comparable sales
+9% vs 12 sold
Return · IRR
-6.2%/yr
Loses money over 5 years
Cash to get in
£344K
Deposit + fees + refurb
Price £875KReturn before costs on price 3.94%5-yr return on cash -21%Rent est. £2,874 (£2,682–£3,080)
How we define each return: On price — gross yield = annual rent ÷ purchase price. On cost — net yield ÷ total project cost (price + refurb + fees). On cash — cash-on-cash & ROI ÷ the actual cash you put in (deposit + costs).
What-if calculator
Rates as of 20 May 2026Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer (£)
Monthly rent (£)
Local comp range: £2,682–£3,080/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · £218,750
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£22,701–£42,375 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £656,250 loan + £1,000 booking fee
Running costs
Management10%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£1,443
after mortgage, operating costs & tax
Rent in£2,874/mo gross
£2,763/mo collected · £111/mo lost to voids
Where it goes
£3,555Mortgage
Outgoings exceed rent — you top up £1,443/mo
Mortgage£3,555
Costs£652
Management£287
Maintenance£67
Insurance£40
CapEx reserve£144
Voids + council tax£10
Ltd co. accounts£104
Tax—
Shortfall−£1,443
Returns
Return before costs on price3.94%
Cash return on cash-5.04%
Gross margin£2,112
Cash needed£343,543
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.78
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
| Year | Gross Rent | Op Costs | Mortgage | Equity Built | Tax | Net | Cumulative |
|---|---|---|---|---|---|---|---|
| Year 1 | £34,488 | £7,821 | £42,656 | £0 | £0 | -£15,989 | -£15,989 |
| Year 2 | £35,523 | £8,056 | £42,656 | £0 | £0 | -£15,189 | -£31,179 |
| Year 3 | £36,588 | £8,298 | £42,656 | £0 | £0 | -£14,365 | -£45,544 |
| Year 4 | £37,686 | £8,546 | £42,656 | £0 | £0 | -£13,517 | -£59,061 |
| Year 5 | £38,817 | £8,803 | £42,656 | £0 | £0 | -£12,643 | -£71,704 |
Disposal gain (gross)-£43,749
CGT£0
Net Disposal proceeds£941,919
What we verified
What we verified
50075 ok · 0 caution · 0 fail · 7 unknown
Legal & planning
LeaseholdFreehold
Tenure & planningFreehold
Legal & planning
2 checks- TenureUnknown
- Lease lengthUnknown
Council planning restrictionUnknown
Council planning restrictionRent by the room conversion gatePlanning data
Conversion approvability
Per-property planning assessment
Uncertain35% likely
Confidence: low
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 34% (224 decisions)
- NOTE: council HMO concentration policy not curated — the modal English policy (10% within 100m) is shown as an indication, not this council's adopted threshold
- NO HMO concentration data for this council: neither a licensed register nor granted change-of-use decisions nearby. This is ABSENCE OF DATA, not absence of HMOs — verify with the council before relying on it
Rent by the room concentration nearby
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
Rent by the room restriction
C3 to C4 conversion
Unknown
Confidence
low
Source
No LPA data for this prefix
⚠️ Selective Licensing in scope
Additional HMO: borough-wide
Rates as of May 2026
Building condition
Energy ratingUnknown
EPC& 2030 deadlineEPC register
EPC band not available in the listing. The 2030 MEES minimum is band C — verify the certificate before offering.
EPC band from listing · verify certificate before exchanging
Find EPC certificate →Cladding safety certificateNot stated on the listing
HeritageNot stated on the listing
Heritage& planning constraintsNHLE register
We don't ingest the NHLE bulk register, so we can't flag listed-building or conservation-area status for this address from our data alone. Use the official registry to verify before exchanging.
Area
Flood riskChecking…
FloodriskEA
Crime riskChecking…
Crimeriskpolice.uk
SchoolsChecking…
Schools& Ofsted catchmentGIAS register
No schools indexed for this postcode sector.
Investor
Tenant profileFamily let
Tenant profilelikely cohortHA3 0PF · 4 bed
Primary profile
Family let
Secondary profile
HMO / sharers
Nearest university
for student-let assessment
Imperial College · 12.3 km
Reason
4-bed house in a suburban area — family-let demand dominates; larger property may also work as a sharer HMO.
Heuristic from postcode + bedrooms + nearest-university distance · verify locally
Refurb costEstimate ready
Refurb cost& works budgetQ1 2026 rates
New kitchen + bathroom + light replumb + decor.
Total estimate
4-bed · 2-bath · 1365 sqft · London ×1.4
£46k–£87k
£ per sqft
building cost only
£34–£64
Per-item breakdown (4 lines)
- Kitchen · Full unit replacement£4,640–£10,440
- 2 × bathroom · Full strip + retile£8,400–£16,800
- Paint + decor£13,650–£24,570
- Flooring · Carpet on bedrooms + LVT/laminate downstairs£19,110–£35,490
Guide rates · UK May 2026 · sqft auto-estimated from beds
Tier-based bands — get a builder quote before exchanging.
Rent by the room licensingStandard rules
HMO licensing5-year licenceCouncil
Licence fee
5-year mandatory
£825–£1,500
Scheme type
Check council
The council's HMO page lists the current mandatory fee plus any additional / selective scheme that catches smaller HMOs.
Mandatory licensing applies to 5+ sharer HMOs (Housing Act 2004)
Find council HMO page →Price & sale history30d on marketno cuts yet
Sale price historythis address, HM Land RegistryPrice-Paid Data
Asking vs last sale
£437,000 in 2007 → £875,000 asking
+100.2%in 19y
- 2007£437,000—
HM Land Registry · Price-Paid Data (Open Government Licence). Growth percentages are nominal — not adjusted for inflation or local market movement.
Strategy matrix
Council lease wins — -£1,036/mo · £407/mo ahead of Rent it out
| Strategy | Return before costs on price | Monthly profit | Cash needed | 5y Return on your cash on cash | Risk | Feasibility |
|---|---|---|---|---|---|---|
| Rent it out | 3.94% | -£1,443 | £343,543 | -20.9% | Low | Feasible |
| Housing-benefit rent | 2.87% | -£2,208 | £343,543 | -34.1% | Med | Feasible |
| ⭐ Council lease | 3.94% | -£1,036 | £343,543 | -15.4% | Low | Feasible |
| Refurb & refinance | 3.94% | -£1,443 | £399,400 | -18.0% | Med | Feasible |
| Short-stay let / Airbnb | — | — | — | — | — | Disabledno local short-let data |
| Buy, improve & sell | 0.00% | -£211 | £997,775 | 5% | Med | Feasible |
| Rent by the room | 3.29% | -£2,791 | £343,543 | -44.4% | — | Feasible |
Housing-benefit (LHA) scheme detailBRMA North West London · cap £2,094/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- North West London
- LHA monthly cap:
- £2,094
- Scheme type:
- leasing
- Premium:
- +500% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
Ready to move on this deal?
Generates an offer pack with your numbers & sources — take it to the agent.
Pro analysis — outcome range, stress tests & portfolio impact
Local lettings demanddays-to-let · supply now · trend
Rent by the room conversion upside
-£1,117/mo cash flow vs Rent it out if converted to Rent by the room
3.29% Return before costs on price converted vs 3.94% as-is
As-is Rent it out
Monthly profit-£1,289
Return before costs on price3.94%
Cash needed£230,648
If converted to Rent by the room
Monthly profit-£2,405
Return before costs on price3.29%
Cash needed£246,648
Δ vs Rent it out Monthly profit-£1,117
Show conversion detail
Conversion cost estimate
£36,400
Range: £28,000 – £47,600
Fire safety, plumbing, partitioning, licensing.
Rates as of Apr 2026
Planning approval likelihood
Uncertain · 35% likely
low confidence
- Article 4 direction applies — planning permission required for C3->C4 HMO
- no known HMOs within 100m (below threshold)
- local council HMO approval rate 34% (224 decisions)
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
£84,900–£157,845full refurb + room split
What's in this cost
- Kitchen£10,440–£20,880
- 2 × bathroom£14,400–£26,400
- Rewire£6,825–£12,285
- Replumb£5,460–£10,920
- Windows£15,015–£27,300
- Paint + decor£13,650–£24,570
- Flooring£19,110–£35,490
Comparables
sold within 0.5 miWide · CV 15.8%Med confidence
Loading nearby sold…
Location & area intelligence
Transport score90 / 100
On the map
- Registered HMOs
- Approved HMO conversions
- Pending HMO applications
Article 4 for HMOs
≈0.0% within 100 m vs 10% policy
Council HMO policy not curated — assessed against a 10% / 100 m default; a low/absent count reflects register coverage, not zero nearby HMOs.
Schools & catchment5 schools nearby
Nearby schoolsOfsted-rated, nearest first5 of 5
- GoodMount Stewart Junior SchoolPrimary · Community school · HA3 0JX
- Not ratedMount Stewart Infant SchoolPrimary · Community school · HA3 0JX
- Not ratedUxendon Manor Primary SchoolPrimary · Community school · HA3 0UX
- Not ratedClaremont High SchoolSecondary · Academy converter · HA3 0UH
- Not ratedSt Gregory's Catholic Science CollegeSecondary · Academy converter · HA3 0NB
Ofsted · postcode-area match. Catchment areas vary year to year — verify with the local council before relying for school admissions.
Tax treatment
Annual gross rent£34,488
Section 24 credit£0
Annual tax due£0
Post-tax Monthly profit annual-£17,316
Exit costs
Projected sale price (5y · 2%/yr growth)£966,071
Capital gain (pre-CGT)£91,071
Sale costs (~2.5%)£24,152
CGT due (Ltd Co 25%)£0
No personal CGT — the gain is taxed at the company level (corporation tax) when the SPV disposes of the property.
Net 5y Monthly profit after CGT-£71,704
Rates as of Oct 2024
Acquisition costs
£343,543cash neededPurchase price£875,000
Deposit (25%)£218,750
Stamp duty+5% additional-property surcharge£77,500
Refurb£30,268
Legal + survey£2,900
Mortgage fees£14,125
Total cash neededdeposit + costs (loan covers the rest)£343,543
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
About this propertydescription · rightmove
Description& agent copyRightmove
4 BEDROOM EXTENDED- Costain-built three/four bedroom semi-detached family home located in the popular Mount Stewart School area, offering generous living space, a large rear garden, and excellent local amenities. The ground floor provides versatile accommodation including a front reception room and an impressive full-width rear reception/living and dining area, ideal for family living and entertaining. The property benefits from a modern, large and spacious fitted kitchen f…
Floor plans
Nearby active comparables7 rentals
Comparable rentals
HA3 · same beds + typeMedian nearby: £2,800/mo · 6 of 7 already let-£74 vs our est
- Park Crescent, Harrow, Middlesex, HA3Let4b£2,800/moMay 2026
- Kenton, London, HA3Let4b£2,950/moMay 2026
- Kingshill Drive, KentonLet4b£2,600/moMay 2026
- Spencer Road, Harrow Weald, Harrow, H…Let4b£2,600/moMay 2026
- Kenton Lane, Harrow, Stanmore, Middle…Let4b£2,895/moMay 2026
- Chapman Crescent, Kenton, Harrow, HA34b£3,000/moMay 2026
- Kingshill Drive, Harrow, HA3Let4b£2,500/moDec 2025
Other deals nearby
HA3 · ±25% priceNo other nearby investment deals matched on postcode prefix + bedrooms.
Listing metarightmove · Haymills
About this listing
30 days · RightmovePrice history
5-year price trend
Monthly profit
−£1,443
Cash needed
£344K
Return after costs
-5.04%
IRR
-6.20%
Listed 30d ago
Manning Gardens, Harrow
semi-detached · 4 bed · 2 bath
£875,000
est £2,874 · 3.94% gross
1 / 17
0/100
Marginal
3.94% — verify the rent + comps locally.
3.94% Return before costs — around the area average for this property type.
Monthly profit −£1,443/mo at the default 25% deposit @ 5.5% — open the calculator to stress-test.
Price
£875K
9% above sold comps
Return before costs
3.94%
est rent £2,874/monot enough comparablesRange £2,682–£3,080/mo (Q1–Q3)
Bedrooms
4
2 bath
Energy rating
—
Energy rating
Run the numbers
What-if calculator
Rates as of 20 May 2026Buy-to-Let. Standard rental on an Assured Shorthold Tenancy. Single household, market rent, paid monthly direct to landlord (or via agent). (hover any strategy tab for pros + cons)
Offer (£)
Monthly rent (£)
Local comp range: £2,682–£3,080/mo · n=29
Financing
DepositYour cash in — the rest is the mortgage25% · £218,750
Standard 75% LTV for BTL
Mortgage rate5y fixed5.8%
5-year fixed at 75% LTV — 5.75% (as of 2026-05-20).
Mortgage term (years)
Stress rate6.5%
BoE base + 2pp stress (6.5%)
Acquisition costs
Refurb (£)
Per-property refurb estimate from the element rate-card model (£22,701–£42,375 range), VAT-inclusive
Legal + survey (£)
Standard house — £1,900 legal + £1,000 survey
Mortgage fees (£)
2% product fee on £656,250 loan + £1,000 booking fee
Running costs
Management10%
Typical BTL agency rate
Void weeks
Typical voids for BTL
Insurance (£/mo)
Typical BTL building+landlord cover for £400K+
Maintenance (£/mo)
Semi/flat: £67/mo proxy
Leasehold costs
Result · Rent it out
Monthly profit
-£1,443
after mortgage, operating costs & tax
Rent in£2,874/mo gross
£2,763/mo collected · £111/mo lost to voids
Where it goes
£3,555Mortgage
Outgoings exceed rent — you top up £1,443/mo
Mortgage£3,555
Costs£652
Management£287
Maintenance£67
Insurance£40
CapEx reserve£144
Voids + council tax£10
Ltd co. accounts£104
Tax—
Shortfall−£1,443
Returns
Return before costs on price3.94%
Cash return on cash-5.04%
Gross margin£2,112
Cash needed£343,543
Monthly profit paybackn/a (monthly loss)
Data confidence
Lender stress test
Rent-covers-mortgage check @ stress0.78
Rent-covers-mortgage check FAIL · stress 6.5% (need ≥ 1.45)
Housing-benefit (LHA) scheme detailBRMA North West London · cap £2,094/mo
Housing-benefit rent scheme detail
- Rental Market Area (BRMA):
- North West London
- LHA monthly cap:
- £2,094
- Scheme type:
- leasing
- Premium:
- +500% premium over LHA cap
- Typical lease:
- 0 years lease
- Management:
- management covered by council
Year-by-year Monthly profit (5-yr horizon)
Net Monthly profit after tax. Rent + costs compound at their growth rates; mortgage principal amortises year-by-year for repayment loans.
Mortgage paydownRent profitbefore price growth
Full year-by-year breakdown
| Year | Gross Rent | Op Costs | Mortgage | Equity Built | Tax | Net | Cumulative |
|---|---|---|---|---|---|---|---|
| Year 1 | £34,488 | £7,821 | £42,656 | £0 | £0 | -£15,989 | -£15,989 |
| Year 2 | £35,523 | £8,056 | £42,656 | £0 | £0 | -£15,189 | -£31,179 |
| Year 3 | £36,588 | £8,298 | £42,656 | £0 | £0 | -£14,365 | -£45,544 |
| Year 4 | £37,686 | £8,546 | £42,656 | £0 | £0 | -£13,517 | -£59,061 |
| Year 5 | £38,817 | £8,803 | £42,656 | £0 | £0 | -£12,643 | -£71,704 |
Rent by the room upside
What we verified
5007
Legal & planning▾
Article 4HMO restriction lookupUnknown
Rent by the room licensingMandatory if 5+ unrelatedCheck LPA
TenureTenure typeFreehold
HeritageListed building / conservation areaNot stated on the listing
Building condition▾
EPCPostcode estimate — check the registerNot stated on the listing
EWS1External wall safety (cladding)Not stated on the listing
Refurb costBased on beds + baths + sqftEstimate available
Area▾
Crimepolice.uk · monthlyChecking…
SchoolsGIAS · OfstedChecking…
FloodEA Flood Map · England onlyChecking…
Investor profile▾
Tenant profileBeds + postcode heuristicFamily / Rent by the room
Rent by the room feasibilityMin 3 beds for C4 routeFeasible
Comparables
sold within 0.5 miWide · CV 15.8%Med confidence
Loading nearby sold…
Location & transport
Tax & exit
Tax bandLtd Co 25%
Mortgage-interest tax rule credit£8,531
Annual rental tax£0
CGT yr 5£0 · company level
5y net total-£71,704
Acquisition costs
25% deposit£218,750
Stamp duty£77,500
Refurb£30,268
Legal + survey£2,900
Mortgage + broker£14,125
Cash needed£343,543
Green = verified data. Amber = market typical. Red = our estimate — verify before offering.
Make an offer
Pro analysis — outcome range, stress tests & portfolio impact
Your notes
Description& agent copyRightmove
4 BEDROOM EXTENDED- Costain-built three/four bedroom semi-detached family home located in the popular Mount Stewart School area, offering generous living space, a large rear garden, and excellent local amenities. The ground floor provides versatile accommodation including a front reception room and an impressive full-width rear reception/living and dining area, ideal for family living and entertaining. The property benefits from a modern, large and spacious fitted kitchen f…
Floor plans
Listing
Sources: Rightmove · HM Land Registry · Ofsted · EA Flood Zones
Estimates not financial advice
Estimates not financial advice